If you’re seeking flexibility when shopping for auto insurance, you might be interested in a short-term car insurance policy. In truth, short-term auto insurance contracts are hard to come by for several different reasons.
Most major insurance companies do not offer policies for fewer than six months. Since car insurance is required by law in most US states, changing policies by the month can be a risky proposition. You also risk having gaps in your car insurance history by moving between policies frequently, leading to higher rates in the long run.
Good news: car insurance policies typically last for just half of a year. This quick duration allows car insurance companies to “re-rate” — or re-price — your premiums based on your recent driving record and demographic profile.
The end of a policy period is also a perfect opportunity for you to assess your insurance by exploring the offerings of other insurers. Finding quotes on the Internet is quick and complimentary, and there’s no penalty for changing insurers between policy terms — or even mid-term, as long as you don't let your insurance end.
The flexible nature of car insurance makes it relatively easy to find on short notice. If you need a policy to take your new car off of the lot, looking for a policy for a relatively long-term auto rental or searching for insurance for a vehicle you don't own but drive more than occasionally, consider purchasing a six-month policy and cutting the agreement short as needed.
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Short-term auto insurance in Washington
See below typical car insurance rates in the state of Washington, ordered by popular car insurance companies and major cities. If your bills exceed the rates listed below, consider other options.
SHORT-TERM AUTO INSURANCE RATES IN WASHINGTON — BY INSURER
| Insurance Company | Average 6-Month Rate | Average Monthly Rate |
| Washington State Average — All Companies | $684 | $114 |
| USAA | $501 | $83 |
| PEMCO | $518 | $86 |
| State Farm | $579 | $97 |
| Grange | $603 | $100 |
| Capital Insurance Group | $630 | $105 |
The most budget-friendly option for short-term auto insurance in Washington is USAA, which can save you $3 per month, compared to the second-cheapest option, PEMCO. In Washington, the average monthly cost of auto insurance is $114, or $684 over a six-month contract.
Where you store your car has as great an influence on your car insurance rates as the insurance company you choose. Car insurance companies take into account the number of local insurance claims when rating policies by ZIP. Check out insurance prices in the biggest cities in Washington and compare the amount you’re paying.
TEMPORARY AUTO INSURANCE RATES IN WASHINGTON — BY CITY
| City | Average 6-Month Rate | Average Monthly Rate |
| Seattle | $833 | $139 |
| Spokane | $660 | $110 |
| Tacoma | $846 | $141 |
| Vancouver | $710 | $100 |
| Bellevue | $747 | $124 |
Because so many factors are involved in setting insurance rates, your quotes may not match those displayed above. If your current premiums don’t align with those listed above, consider taking a moment to compare quotes. The short-term nature of an auto insurance contract increases the importance of staying informed and ready to shop.
Find out more about temporary auto insurance or use The Zebra to compare quotes for free online.
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